1, medical insurance refers to social medical insurance. It is a social insurance system that guarantees the basic medical needs of employees when they are sick according to laws and regulations. 201612 the State Council issued the "opinions on integrating the basic medical insurance system for urban and rural residents", calling for promoting the integration of the medical insurance system for urban residents and the new rural cooperative medical system, and gradually establishing a unified national medical insurance system for urban and rural residents. On February 20th, 2065438+0616, Ministry of Human Resources and Social Security held a video conference on national basic medical insurance networking and direct settlement of medical treatment in different places. The first batch of national basic medical insurance networking and direct settlement of cross-provincial medical treatment in different places marked that the direct settlement of cross-provincial medical treatment in different places officially entered the implementation stage.
2.202 1 June statistical bulletin shows that in 2020, the number of people participating in the national basic medical insurance is 136 13 1 10,000, and the participation rate is stable at over 95%. Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection when they are sick. Composition of social comprehensive medical insurance: the payment base is m: wage income of employees+allowance. The unit pays 8% m every year; Employees pay 2% meters every year; The unit pays 8% m: 6.6% m ~ 7% m of hospitalization expenses are put into the overall account; 2% m: 2% m of the individual's salary is paid into the personal account (plus 1%m to 1.4%m to pay the outpatient fee.
3. The hospitalization expenses are reimbursed from the overall account, and the amount of each person is the same; Outpatient expenses are deducted from personal account (i.e. medical insurance card), which varies from person to person. On May 2, 20 17, Ministry of Human Resources and Social Security and the Ministry of Finance issued a notice, demanding that the per capita subsidy standard for residents at all levels in 20 17 should be raised in 30 yuan. Based on 20 16 years, the average person is in 450 yuan every year. In 20 17, the per capita personal payment standard of medical insurance for urban and rural residents was raised in 30 yuan on the basis of 20 16, with an average annual 480 yuan per person.
4. It has the characteristics of "low level and wide coverage", and the payment is mainly based on the expenses that most low-level units and individuals can bear, covering all units and employees in cities and towns. Employees in different units can enjoy the right of basic medical insurance. After the payment expires, the insured can enjoy it for life. Secondly, the basic medical insurance has the characteristics of "burden on both sides and combination of unified accounts"; In line with the principle of "income-oriented, balance of payments".